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  • Shiny stuff that's not to your taste but is too new to bin is my idea of a nightmare.

    We bought option 1 under the guise that 'we won't need to do anything until we're ready' and then ended up almost immediately doing everything anyway, and paid a premium accordingly. Maybe not as shiny as your sounds - but particularly if your motivation is a home, option 2 is the dream if you have the capacity (and it sounds like you do!)

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